Lifestyle
Merchant
Floward
Enjoy 20% off on flower arrangements
Valid until 30 Sep 2026
- Joining Fee
- AED 1,573.95
- Annual Fee
- AED 735
- Minimum Salary
- AED 12,000
ENBD Skywards Signature Credit Card
Earn Skywards Miles on Emirates and flydubai flights, duty-free retail and everyday spend, plus lounge, golf and cinema privileges.
Updated Jun 2026
≈ AED 9,623 potential value / year · incl. perks
Welcome offer
Up to 40,000 Bonus Skywards Miles
Up to 40,000 bonus Skywards Miles when you meet the joining and spend conditions.
New Skywards Signature cardholders can earn up to 40,000 bonus Skywards Miles, subject to payment of the joining fee and meeting Emirates NBD's qualifying spend conditions. Exact spend tiers are not published on the official product page.
See full breakdownRewards
0.75Skywards Miles
per USD 1 on other eligible spending.
Reduced merchant categories have separate earning rates.
See full breakdown1Skywards Miles
per USD 1 on eligible international spending.
International transactions outside the EU and UK.
See full breakdown1.5Skywards Miles
per USD 1 on Emirates and flydubai spending.
Direct Emirates and flydubai spending. Duty free also earns this rate; domestic food-delivery and car-booking apps qualify.
See full breakdown0.5Skywards Miles
per USD 1 on merchant spending in the EU and UK.
Merchant spending in the EU and UK.
See full breakdownRewards Calculator
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Eligibility
21
Minimum Age
12,000AED
Minimum Income
UAE residency documents
Emirates NBD may request Emirates ID, passport copy, and a security cheque.
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
3 months of salary credits
Most banks want to see about three months of salary credited to a UAE account before approving a card.
Salary-transfer customers and applicants at preferred employers are often approved sooner. If you've just changed jobs, waiting for the third credit is the safer bet.
Offers
See all 851View offer
Lifestyle
Merchant
Kingfisher Retreat – Sharjah Collection
20% off on best available room rate
Valid until 30 Sep 2026
Restaurants
Merchant
Leisure Deck – فوكو بونينغتون
Leisure Deck - VOCO Bonnington
Valid until 30 Sep 2026
Lifestyle
Merchant
Moon Retreat – Sharjah Collection
20% off on best available room rate. <br> 20% off dining and wellness.
Valid until 30 Sep 2026
Additional Benefits
Airport Lounge Access
10 complimentary lounge visits per year via DragonPass.
Airport lounge access is provided through DragonPass, capped at 10 complimentary visits per year.
See full breakdownGolf Privileges
Up to 12 complimentary rounds per year at partner UAE golf courses, with AED 5,000 monthly spend.
Complimentary rounds at Abu Dhabi City, Arabian Ranches and Sharjah Golf & Shooting Club, up to 12/year, subject to AED 5,000 min. monthly spend. AED 30 processing fee per booking; no-show fees may apply.
See full breakdownCinema Offers
Buy-one-get-one-free tickets at VOX and Reel Cinemas, up to 2 per month (24 per year).
Buy-one-get-one-free movie tickets at VOX Cinemas and Reel Cinemas, up to 2 tickets per month (24 per year), subject to minimum spend criteria.
See full breakdownValet Parking
3 complimentary services per month (36 per year) at select Abu Dhabi locations.
Complimentary valet parking at select Abu Dhabi locations, up to 3 services per month (36 per year).
See full breakdownConcierge Service
Up to 12 complimentary requests per year for travel and lifestyle assistance.
Visa Signature Concierge assists with travel bookings and lifestyle requests, available up to 12 times per year.
See full breakdownFees
1,573.95AED
Joining Fee
735AED
Annual Fee
3.25%
Monthly Purchase Rate
Equivalent to 39% per annum. 55-day interest-free period on retail purchases; minimum payment due is 5% of the outstanding balance or AED 100, whichever is higher.
Late Payment FeeAED 241.5*
*Charged per month if the minimum payment due is not received in full by the payment due date.
Over Limit FeeAED 292.95*
*Charged once during each billing cycle when the current balance exceeds the credit limit.
Cash Advance Fee3.15%*
*3.15% of the cash advance amount or AED 103.95, whichever is higher.
Installment ProcessingAED 51.45*
*Charged per transaction.
Installment Pre-closure1.05%*
*1.05% of principal outstanding.
International Transaction Fee (non-AED)1.99%*
*Bank currency conversion fee; network processing fees may also apply.
Foreign Currency Transaction Fee (AED abroad)1.99%*
*Applies when settling foreign currency transactions in UAE dirhams overseas.
Direct Debit Return FeeAED 105*
*Charged for returned cheque or direct debit handling.
Credit Shield Pro0.99%*
*Monthly premium on the credit card outstanding balance when enrolled.
Installment Plan (Reducing Rate)3.46%*
*Up to 3.46% reducing monthly rate (up to 41.52% per annum).
Card ReplacementAED 21
No Liability LetterAED 52.5
Duplicate StatementAED 15.75*
*AED 15.75 per month for statements within the last 3 months; AED 47.25 per month for older statements.
Frequently Asked Questions
Get answers to common questions about ENBD Skywards Signature Credit Card credit card
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